UBS FInancial Servcies, Inc.
7700 Wisconsin Ave., Ste 300
Bethesda, MD 20895
What separates you from others in the financial and wealth management profession?
Successful people have important goals: educating their children, retiring with a lifestyle that wealth permits, and passing along their estate as efficiently as possible. That’s my job — I passionately work with my clients to ensure these and all other financial matters are being met by providing strategies for all stages of life. My one product is advice and my practice is strictly goal oriented. A financial plan, which takes in all considerations and is completed by a true specialist, is the cornerstone for this. The families and business owners that I work with understand that “the future belongs to those who prepare for it.” I do not take any undue risk, and adapt with their needs over the years as our relationship grows together.
I succeed when my clients succeed and I never lose sight of that fact. I always try to place myself in my clients’ shoes so I can understand their perspective. I treat each client as if he were my only client. Earning the confidence of people who seek my financial advice is both my goal and personal reward.
What should clients know about your qualifications?
I hold UBS’s Senior Portfolio Manager designation in connection with
UBS’s Portfolio Management Program, and am a Certified Financial PlannerTM professional, and understand niche planning topics, like divorce. As a Certified Financial Divorce Practitioner, I know going through a separation or divorce is, no question, a difficult period. It’s not only challenging emotionally for you and your family, but it also impacts many key areas of your financial life, including maintaining your lifestyle and your ability to reach your long-term financial goals. With many of my clients in a similar situation, I know the issues you’re facing, and I know how to help. Prior to joining UBS in 2009, I was at Legg Mason and Smith Barney for 14 years. I graduated from the University of Maryland with a degree in economics (and the nickname “J.Y.” — Go Terps!). My practice has almost $300 million under management.
What is your approach to investing in the market?
My approach is risk management first in all areas of planning, and then
determining good opportunities without taking any undue risk. Critically today in this low interest rates environment, many people are searching for investments that provide income. Unfortunately, this is causing many of them to “reach for yield,” meaning investing in ideas that yield more, but not understanding the risk that comes along with this approach. This going out further on the “risk curve” can give the illusion of solving short term cash flow needs, but in a tougher market cycle, it can mean a significant loss of principal. I am spending more time now than ever explaining the differences between traditional, safer fixed income and other alternatives or “fixed income equivalents.” The goal is to create a reliable income stream that allows somebody to retire with the lifestyle that he is accustomed to, without worrying about outliving his money.